generated: '2026-08-09'
method: derived
source: >-
  openapi/ — 13 published OpenAPI 3.0.1 definitions, 46 operations, 278 distinct component schemas;
  entities and relationships recovered from $ref graphs and id-reference field names.
naming_note: >-
  ChargeAfter's schema names are .NET CLR type names emitted by the framework, not designed API type names
  (e.g. ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Offer,
  ChargeAfter.PostsaleAdapter.WebApi.Contracts.ChargeCreationResponseDto). The same logical entity appears
  under several fully-qualified names across definitions — Consumer exists as both
  ChargeAfter.Libraries.WebApi.Contracts.ConsumerDetails and ChargeAfter.BFF.WebApi.Contracts.Models.ConsumerDetails.
  Entity names below are the logical names; the CLR names are recorded as aliases.
identifiers:
  note: >-
    ChargeAfter uses opaque identifiers with no type prefix, so an id cannot be typed by inspection. Three
    distinct id namespaces coexist on most objects — ChargeAfter's own id, the merchant's id
    (merchant*Id), and the lender's id (lender*Id).
  namespaces:
  - prefix_pattern: merchant*
    owner: merchant
    fields: [merchantId, merchantOrderId, merchantConsumerId, merchantTransactionId]
  - prefix_pattern: lender*
    owner: lender
    fields: [lenderId, lenderSessionId, lenderReferenceId, lenderTransactionId, lenderAccountId, lenderDisputeId,
      lenderCorrelationId, lenderCaseId, lenderToken, loanId]
  - prefix_pattern: none
    owner: chargeafter
    fields: [id, consumerId, applicationId, chargeId, linkId, sessionId, confirmationId, transactionId, storeId,
      posId, brandId, buyerId, balanceId, reconciliationId]
  tokens:
    note: Short-lived bearer-style handles, distinct from ids.
    fields: [accountToken, confirmationToken, prequalifyConfirmationToken, sessionToken, continuationToken]
entities:
- name: Consumer
  key: consumerId
  merchant_key: merchantConsumerId
  aliases:
  - ChargeAfter.Libraries.WebApi.Contracts.ConsumerDetails
  - ChargeAfter.BFF.WebApi.Contracts.Models.ConsumerDetails
  - ChargeAfter.BFF.WebApi.Contracts.IdentifyConsumerDetails
  operations:
  - openapi/chargeafter-consumer-api-openapi.yml#GET /v2/consumers/{consumerId}
  - openapi/chargeafter-consumers-management-openapi.yml#GET /v2/post-sale/consumers/{consumerid}
  - openapi/chargeafter-consumers-management-openapi.yml#GET /v2/post-sale/consumers/{consumerid}/legal-info
  attributes_of_note: [Address, SpouseInfo, MarriageStatus, ResidenceType, IncomeType, Preferences, Language,
    AdditionalIds, Claim]
- name: Session
  key: sessionId
  version: v3
  aliases:
  - ChargeAfter.BFF.WebApi.Contracts.CreateSessionRequestBodyV3
  - ChargeAfter.BFF.WebApi.Contracts.GetSessionResponse
  operations:
  - openapi/chargeafter-checkout-session-openapi.yml#POST /v3/session
  - openapi/chargeafter-checkout-session-accounts-openapi.yml#GET /v3/session/accounts
- name: Application
  key: applicationId
  aliases:
  - ChargeAfter.Libraries.Entities.ConsumerApplicationStatus
  - ChargeAfter.Libraries.Entities.ApplicationStatusReason
  operations:
  - openapi/chargeafter-checkout-application-status-openapi.yml#GET /v2/checkout/applications/{applicationId}/status
  - openapi/chargeafter-checkout-application-token-openapi.yml#GET /v2/checkout/applications/{applicationId}/token
  - openapi/chargeafter-distribution-api-openapi.yml#POST /v2/checkout/applications/{applicationId}/accounts
- name: Lender
  key: lenderId
  aliases: [ChargeAfter.Contracts.LenderType]
  note: >-
    The independent financing provider. ChargeAfter is an orchestrator — approval, decline, and pricing are
    lender decisions surfaced through Offer and the application.* webhooks.
- name: Offer
  aliases:
  - ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Offer
  - ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.OfferType
  - ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.FinancialProductType
  attributes_of_note: [Disclosure, OfferDisclosures, DisclosureType, PromoSettings, Eligibility, EligibilityStatus,
    UsabilityStatus]
  note: >-
    Carries regulated disclosure objects. Disclosure/OfferDisclosures are the compliance text a merchant
    must render unmodified.
- name: Account
  key: accountId
  token: accountToken
  aliases:
  - ChargeAfter.Libraries.WebApi.Contracts.Responses.Offers.Models.Account
  - ChargeAfter.Contracts.AccountStatus
  - ChargeAfter.Libraries.Entities.LenderAccountStatus
  - ChargeAfter.Libraries.Entities.AccountStatusReason
  operations:
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/accounts
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/accounts/{accountToken}
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/accounts/{accountToken}/credit
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/accounts/{accountToken}/creditcard
  - openapi/chargeafter-charge-api-openapi.yml#PATCH /v2/accounts/deprecate
- name: Confirmation
  key: confirmationId
  token: confirmationToken
  operations:
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/accounts/confirmation
  note: >-
    Binds an approved account to a specific cart. A charge cannot be created twice against the same
    confirmation — error 2002 "charge already has assigned confirmation".
- name: Cart
  aliases:
  - ChargeAfter.Libraries.WebApi.Contracts.Requests.Models.CartDetails
  - ChargeAfter.BFF.WebApi.Contracts.Models.CheckoutDetailsV3
  children: [Item, Discount, Warranty]
- name: Charge
  key: chargeId
  merchant_key: merchantOrderId
  aliases: [ChargeAfter.PostsaleAdapter.WebApi.Contracts.ChargeCreationResponseDto]
  operations:
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/post-sale/charges/{chargeid}
  - openapi/chargeafter-charge-api-openapi.yml#PATCH /v2/post-sale/charges/{chargeid}
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/{chargeid}/settles
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/{chargeid}/refunds
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/{chargeid}/voids
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/voids/async
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/{chargeid}/items/delivery
- name: Transaction
  key: transactionId
  merchant_key: merchantTransactionId
  lender_key: lenderTransactionId
  aliases: [ChargeAfter.Libraries.Entities.TransactionState]
  operations:
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/post-sale/transactions/{id}
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/post-sale/transactions/lookup
  - openapi/chargeafter-charge-api-openapi.yml#POST /v2/post-sale/charges/{chargeid}/transactions/synthetic
- name: Order
  key: merchantOrderId
  operations:
  - openapi/chargeafter-charge-api-openapi.yml#GET /v2/post-sale/orders/{orderId}
  note: Resolves a merchant order id to a ChargeAfter chargeId.
- name: Funding
  key: reconciliationId
  operations:
  - openapi/chargeafter-funding-api-openapi.yml#GET /v2/post-sale/fundings/report
  note: The settlement/reconciliation record tying a charge to money moved by the lender.
- name: Link
  key: linkId
  operations:
  - openapi/chargeafter-omni-link-openapi.yml#POST /v2/omni-link/consumer/application
  - openapi/chargeafter-omni-link-openapi.yml#POST /v2/omni-link/consumer/checkout
  - openapi/chargeafter-omni-link-openapi.yml#GET /v2/omni-link/consumer/{linkId}
  note: A single-use consumer URL that launches Apply or Checkout outside the merchant storefront.
- name: Dispute
  key: id
  lender_key: lenderDisputeId
  operations:
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#PUT /api/disputes/lenders
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#GET /api/disputes/lenders/{id}
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#POST /api/disputes/lenders/{id}/resolve
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#POST /api/disputes/lenders/{id}/reopen
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#PUT /api/disputes/lenders/{id}/reverse
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#POST /api/disputes/lenders/{id}/update
  - openapi/chargeafter-disputes-management-lenders-openapi.yml#PUT /api/disputes/lenders/{id}/assign
- name: Merchant
  key: merchantId
  aliases: [ChargeAfter.BFF.WebApi.Contracts.Models.MerchantDetails]
  children: [Store, PointOfSale, Brand]
- name: Store
  key: storeId
- name: PointOfSale
  key: posId
  aliases: [ChargeAfter.Libraries.Entities.PosType]
relationships:
- from: Consumer
  to: Application
  type: has_many
  via: consumerId
- from: Consumer
  to: Account
  type: has_many
  via: consumerId
  operation: openapi/chargeafter-consumer-api-openapi.yml#GET /v2/consumers/{consumerId}/accounts
- from: Session
  to: Offer
  type: has_many
  via: sessionId
  operation: openapi/chargeafter-checkout-session-accounts-openapi.yml#GET /v3/session/accounts
- from: Application
  to: Offer
  type: has_many
  via: applicationId
- from: Application
  to: Account
  type: has_many
  via: applicationId
  operation: openapi/chargeafter-distribution-api-openapi.yml#POST /v2/checkout/applications/{applicationId}/accounts
- from: Offer
  to: Lender
  type: belongs_to
  via: lenderId
- from: Account
  to: Lender
  type: belongs_to
  via: lenderId
- from: Account
  to: Consumer
  type: belongs_to
  via: consumerId
- from: Confirmation
  to: Account
  type: belongs_to
  via: accountToken
- from: Confirmation
  to: Cart
  type: has_one
  via: embedded cart details
- from: Charge
  to: Confirmation
  type: belongs_to
  via: confirmationId
- from: Charge
  to: Account
  type: belongs_to
  via: accountToken
- from: Charge
  to: Transaction
  type: has_many
  via: chargeId
- from: Charge
  to: Order
  type: has_one
  via: merchantOrderId
- from: Charge
  to: Funding
  type: has_many
  via: chargeId
- from: Cart
  to: Item
  type: has_many
- from: Cart
  to: Discount
  type: has_many
- from: Cart
  to: Warranty
  type: has_many
- from: Dispute
  to: Charge
  type: belongs_to
  via: chargeId
- from: Dispute
  to: Lender
  type: belongs_to
  via: lenderId
- from: Link
  to: Consumer
  type: belongs_to
  via: consumerId
- from: Merchant
  to: Store
  type: has_many
  via: storeId
- from: Store
  to: PointOfSale
  type: has_many
  via: posId
lifecycle_paths:
- name: ecommerce checkout
  sequence: [Session, Offer, Application, Account, Confirmation, Charge, Transaction, Funding]
- name: in-store / call center
  sequence: [Link, Application, Account, Confirmation, Charge, Transaction, Funding]
- name: dispute
  sequence: [Charge, Dispute, Transaction]
gaps:
- >-
  No operationId is declared on any of the 46 operations, so relationships here are anchored on METHOD+path
  rather than on a stable operation identifier.
- >-
  Schema names are framework-emitted CLR type names, which makes the same logical entity appear under
  several unrelated names and prevents reliable cross-definition schema reuse.